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what do i do?

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what do i do?

hello everyone! this is my first day using this, so im unsure what to do! Here's the thing: i plan on purchasing my FIRST vechile in December.. i checked my Fico score and im at a 604. i wish it was higher!! i have about 4 'charge off' accts on my credit report. My fiance` suggested that i pay them off in hopes of raising my credit score. Do you think that is the best thing to do to get my CS at least 700? (i would like to be approved for my car) or should i try to get a CC w/ my 'poor' credit in order to 'raise' the score in time for my new car? Thanks in advance!
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